Your driving record – determining your rates

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Drivers who maintain a safe driving record for a number of years get a discount on their Autopac premiums.

Premium discounts depend on your Driver Safety Rating.

Who qualifies

People registering passenger vehicles and light trucks, motorhomes, motorcycles and mopeds can qualify for a discount.

You can also qualify as the sole owner of a corporation, if you register the vehicle in your name rather than the corporation’s name. To do this, you’ll need a written agreement giving you “right of possession” of the car or light truck.

New to Manitoba

If you are new to Manitoba and have driving experience or claims experience from another jurisdiction, you may be eligible for a discount on your driver’s licence and insurance. Your experience determines your placement on the Driver Safety Rating scale.

To prove your previous driving record, you need to bring an original claims experience letter or driver abstract on letterhead. No photocopies, faxes, scans or photos are allowed.

Claims experience or claims histories are letters provided by insurance companies. The letter must contain:

  • Insurance company name and contact information.
  • Date of issue.
  • Name of policy holder(s) and policy number(s), and include the names of all drivers listed.
  • Effective and expiry date of the policy.
  • Details of any claims, or state clearly that there were no at-fault claims. Claims details should include date of loss, type of loss, percentage at-fault, and the name of the driver involved.

Driver abstracts or driver records are provided by government agencies responsible for driver licensing. The abstract must contain:

  • Name and contact information of the licensing authority.
  • Date of issue.
  • Driver’s name, date of birth, driver licence number, and class and/or stage of licence(s).
  • Current status of licence, showing date of issue and expiry.
  • Date first licenced.
  • Any licence restrictions.
  • Any convictions, suspensions or tickets.
  • Any accidents.
  • It must clearly state if there are no convictions, suspensions, traffic offences, or accidents.

What uses qualify

The following insurance uses are eligible for a premium discount:

  • Pleasure passenger vehicle
  • Pleasure truck
  • Farm passenger vehicle
  • Artisan truck, up to and including 16,330 kg
  • Farming all purpose truck up to and including 4,540 kg or a body style of chassis mounted camper, crew cab, crew cab service truck, extended cab, extended cab service truck, light delivery, light pickup, panel van, service truck, sport utility vehicle
  • Fishing all purpose truck up to and including 4,540 kg or a body style of chassis mounted camper, crew cab, crew cab service truck, extended cab, extended cab service truck, light delivery, light pickup, panel van, service truck, sport utility vehicle
  • Common carrier local passenger vehicle
  • Common carrier passenger vehicle within 161 km of Manitoba
  • Common carrier truck local within a city or municipality
  • Common carrier truck within 161 km of Manitoba
  • All purpose passenger vehicle
  • All purpose truck
  • Accessible vehicle-for-hire
  • Limousine vehicle-for-hire
  • Passenger vehicle-for-hire
  • Taxi vehicle-for-hire
  • All moped uses, except u-drive mopeds, and dealer mopeds
  • All motorhome uses, except u-drive motorhomes
  • All motorcycles uses, except antique motorcycles
  • Collector passenger vehicle
  • Collector truck

Major offences

Conviction of a major offence can have an impact on your driver safety rating. Use our Driver Safety Rating Calculator to see exactly how major offences affect your premium.

Major offences include:

  • careless driving
  • speeding (more than 49 km over the posted limit)
  • racing a motor vehicle
  • driving while disqualified
  • failing to report an accident
  • failing to stop at the scene of an accident
  • failing to leave particulars where damage was caused to an unattended vehicle
  • disobeying a police officer
  • criminal negligence
  • causing death by criminal negligence
  • causing bodily harm by criminal negligence
  • manslaughter
  • dangerous operation of a motor vehicle
  • dangerous operation of a motor vehicle causing bodily harm
  • dangerous operation of a motor vehicle causing death
  • operation of a motor vehicle while impaired by alcohol or a drug (including U.S. offences)
  • operation of a motor vehicle while impaired by alcohol or a drug and a person under the age of 16 years was a passenger (including U.S. offences)
  • driving with a blood alcohol concentration equal to or over .08% (including U.S. offences)
  • driving with a blood alcohol concentration equal to or over .08% causing bodily harm
  • driving with a blood alcohol concentration equal to or over .08% causing death
  • driving with a blood alcohol concentration equal to or over .08% and a person under the age of 16 years was a passenger (including U.S. offences)
  • refusing to provide a breath, saliva or blood sample (including U.S. offences)
  • refusing to provide a breath, saliva or blood sample and a person under the age of 16 years was a passenger (including U.S. offences)
  • driving with a blood drug concentration over 5 nanograms (ng) of THC
  • driving with a combined blood alcohol concentration over .05 and blood drug concentration over 2.5 ng of THC
  • impaired operation of a motor vehicle causing bodily harm (including U.S. offences)
  • impaired operation of a motor vehicle causing death (including U.S. offences)
  • theft
  • taking a vehicle without the owner's consent
  • possession of goods obtained by crime
  • mischief
  • selling an automobile master key
  • arson
  • automobile vandalism
  • speeding in a construction zone (more than 49 km over the posted limit)

Buying back a claim

Depending on the circumstances, you may choose to “buy back” your claim if you have a collision for which you were 50 per cent or more responsible. A buy back is like undoing your claim by reimbursing Manitoba Public Insurance for the percentage of the claim for which you were responsible.

For example, if you were 75 per cent responsible for the collision, you would reimburse Manitoba Public Insurance 75 per cent of the money we paid for repairing your vehicle, and other vehicles and property damaged in the collision, and for injuries resulting from the collision.

People buy back their claims for several reasons:

  • to keep their vehicle premium and driver’s licence premium discounts
  • to avoid additional driver’s licence premiums
  • to maintain a claim-free record before moving out of the province

Not all claims can be bought back. To buy back a claim or confirm your claim is eligible, contact your adjuster.